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If you listen to Your Money, Your Wealth®, you know Joe and Big Al are all about having a plan for retirement. Using examples from past YMYW episodes, they cover five questions you need to answer before you retire – so you can stay retired.
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Will the Senate pass the SECURE Act 2.0, and will it require a Roth option for retirement savings? Plus, “pandemic unemployment” from the CARES Act and the earned income tax credit. Next, are you eligible to make Roth contributions, and should you contribute only to Roth for retirement? Then, the pros and cons of consolidating retirement accounts, and some early retirement spitball analyses. When you plan to retire early, should you invest in dividend-paying stocks or real estate? And finally, is the bucket investing strategy really that complicated?
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When do you have to pay the taxes on a Roth IRA conversion to avoid any IRS penalties? Was it a mistake to convert to Roth IRA? What percentage of your assets should be in tax-free, tax-deferred, and taxable accounts to give maximum flexibility in retirement? Do Roth conversions count as income toward your eligibility to contribute to a Roth, and finally, how will a pension be taxed?
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What comes to mind when you think of your taxes? Do you feel pain in your stomach? Financial professionals Joe Anderson and Alan Clopine want to empower you to maximize your return by using strategic tax planning. They take a look at the changes in tax law and give you some tools and strategies to […]
The word “taxes” may not be on the top of everyone’s list of favorite things to address. But, with some forward-looking preparations, managing your taxes does not have to be burdensome with the help of this tax planning guide. In this guide, you’ll learn… Important Tax Deadlines 2022 Tax Brackets Strategic Tax Planning Preparing for […]
The pros, cons, and mistakes of rental real estate investing, how to eliminate mortgage payments and create monthly income with a reverse mortgage, and potential side hustles and passive income streams in retirement, presented by Alan Clopine, CPA, of Pure Financial Advisors and Your Money, Your Wealth®. Transcript: Andi: Alternative retirement income sources, real estate […]
You’ve saved money for a house downpayment. Should you invest it in the stock market until you’re ready to buy that property? Should a young saver take as much investing risk as possible, or buy a condo? Plus, the tax efficiency of robo-advisor brokerage account withdrawals, backdoor Roth conversions under the Build Back Better Act, using a charitable remainder trust to avoid inherited IRA tax under the SECURE Act, and listener comments on our pension and capital gains compilation episodes.
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If one of your goals for the year is to get your finances in order, we have some financial resolution topics for you today. Phillip Chinothai, CFP®, AIF®, Pure Associate Advisor covers the top 5 financial resolutions. Budget: It’s hard to plan for the future if we don’t have a solid foundation of knowing what […]
Joe and Big Al spitball, what else, Roth conversions: a conversion and pension lump sum strategy, converting vs. harvesting 0% long-term capital gains, and how to avoid double-taxation on a Roth conversion. Plus, how to allocate assets when preparing to use the Rule of 55? Do retirees regret not spending more in retirement? Will paying a thrift savings plan loan with real estate income avoid income tax? And will assets be better protected against litigation when transferred from a 401(k) to a TSP or an IRA?
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How much company stock in your investment portfolio is too risky? Can series I savings bonds act as the cash in your portfolio? In the sequence of retirement savings, would contributing to a brokerage account instead of maxing out your 401(k) or 403(b) ever make sense? How should a 20-something self-employed couple, investing monthly in Vanguard’s Total Stock Market Index Fund (VTSAX), get retirement-ready? Is it possible to pay for the construction of a new home and keep the earned income tax credit and child tax credits? Should Roth conversion funds come from an inherited IRA, 401(k), brokerage account, or Social Security?
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‘Tis the season to give and to get back! Alan Clopine, CPA lists many ways to maximize your tax deductions when giving to charity by using donor-advised funds, bunching donations, qualified charitable distributions, charitable remainder trust, charitable gift annuity, gifting appreciated stock, and much more. DOWNLOAD | 2021 TAX PLANNING CHECKLIST Subscribe to our YouTube […]
Donor-Advised Funds – The gift that gives back! William Hodapp, CFP®, CPA, AIF® explains how you can support your favorite charity, get a tax deduction, and potentially grow your contribution to benefit charities even more. DOWNLOAD | 2021 TAX PLANNING CHECKLIST Subscribe to our YouTube channel. IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services […]
Tax planning is most important before the year-end while you have the ability to control into which tax bracket you fall, deductions to take, and retirement contributions to fund. Pure Financial Advisors’ Chief Financial Planning Officer walks you through an important checklist to make sure you’re one step ahead of the taxman. DOWNLOAD | 2021 […]
There are a number of major tax law changes being hammered out in Congress right now. How will new tax reform impact how much you pay in tax and your retirement planning? In this webinar, Your Money, Your Wealth® hosts Joe Anderson, CFP®, President of Pure Financial Advisors, and Big Al Clopine, CPA, Pure Financial’s […]
Tax planning is most important before the year-end while you have the ability to control into which tax bracket you fall, deductions to take, and retirement contributions to fund. Senior Financial Planner Robert McCullock CFP®, AIF® from Pure Financial Advisors walks you through an important checklist to make sure you’re one step ahead of the […]
